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BEN vs. CRCL: A Head-to-Head Stock Comparison

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Here’s a clear look at BEN and CRCL, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolBENCRCL
Company NameFranklin Resources, Inc.Circle Internet Group
CountryUnited StatesUnited States
GICS SectorFinancialsInformation Technology
GICS IndustryCapital MarketsSoftware
Market Capitalization11.77 billion USD30.95 billion USD
ExchangeNYSENYSE
Listing DateSeptember 23, 1983June 5, 2025
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of BEN and CRCL by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

BEN vs. CRCL: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolBENCRCL
5-Day Price Return-1.91%0.76%
13-Week Price Return-3.02%-26.87%
26-Week Price Return16.47%--
52-Week Price Return11.26%--
Month-to-Date Return-9.86%0.45%
Year-to-Date Return14.00%59.29%
10-Day Avg. Volume4.19M11.03M
3-Month Avg. Volume4.18M21.36M
3-Month Volatility21.15%92.39%
Beta1.53-3.62

Profitability

Return on Equity (TTM)

BEN

2.61%

Capital Markets Industry

Max
38.97%
Q3
22.24%
Median
13.52%
Q1
8.61%
Min
-4.25%

BEN’s Return on Equity of 2.61% is in the lower quartile for the Capital Markets industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

CRCL

--

Software Industry

Max
66.28%
Q3
21.28%
Median
9.33%
Q1
-8.77%
Min
-48.16%

Return on Equity data for CRCL is currently unavailable.

BEN vs. CRCL: A comparison of their Return on Equity (TTM) against their respective Capital Markets and Software industry benchmarks.

Net Profit Margin (TTM)

BEN

3.73%

Capital Markets Industry

Max
69.91%
Q3
37.24%
Median
24.30%
Q1
13.06%
Min
-15.18%

Falling into the lower quartile for the Capital Markets industry, BEN’s Net Profit Margin of 3.73% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

CRCL

-8.98%

Software Industry

Max
51.92%
Q3
19.23%
Median
6.98%
Q1
-7.14%
Min
-41.00%

CRCL has a negative Net Profit Margin of -8.98%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

BEN vs. CRCL: A comparison of their Net Profit Margin (TTM) against their respective Capital Markets and Software industry benchmarks.

Operating Profit Margin (TTM)

BEN

4.26%

Capital Markets Industry

Max
84.86%
Q3
47.16%
Median
32.23%
Q1
18.65%
Min
-21.87%

BEN’s Operating Profit Margin of 4.26% is in the lower quartile for the Capital Markets industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

CRCL

-2.10%

Software Industry

Max
60.40%
Q3
21.25%
Median
9.90%
Q1
-4.97%
Min
-43.50%

CRCL has a negative Operating Profit Margin of -2.10%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

BEN vs. CRCL: A comparison of their Operating Profit Margin (TTM) against their respective Capital Markets and Software industry benchmarks.

Profitability at a Glance

SymbolBENCRCL
Return on Equity (TTM)2.61%--
Return on Assets (TTM)1.00%--
Net Profit Margin (TTM)3.73%-8.98%
Operating Profit Margin (TTM)4.26%-2.10%
Gross Profit Margin (TTM)36.69%--

Financial Strength

Current Ratio (MRQ)

BEN

1.21

Capital Markets Industry

Max
3.37
Q3
1.81
Median
1.01
Q1
0.56
Min
0.04

For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

CRCL

1.03

Software Industry

Max
4.29
Q3
2.37
Median
1.40
Q1
1.03
Min
0.25

CRCL’s Current Ratio of 1.03 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.

BEN vs. CRCL: A comparison of their Current Ratio (MRQ) against their respective Capital Markets and Software industry benchmarks.

Debt-to-Equity Ratio (MRQ)

BEN

1.00

Capital Markets Industry

Max
6.52
Q3
2.79
Median
0.96
Q1
0.28
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Capital Markets industry.

CRCL

0.09

Software Industry

Max
2.16
Q3
0.86
Median
0.31
Q1
0.00
Min
0.00

CRCL’s Debt-to-Equity Ratio of 0.09 is typical for the Software industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

BEN vs. CRCL: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Capital Markets and Software industry benchmarks.

Interest Coverage Ratio (TTM)

BEN

32.05

Capital Markets Industry

Max
107.59
Q3
48.41
Median
10.85
Q1
4.56
Min
-36.26

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Capital Markets industry.

CRCL

--

Software Industry

Max
89.65
Q3
32.64
Median
1.00
Q1
-9.84
Min
-71.23

Interest Coverage Ratio data for CRCL is currently unavailable.

BEN vs. CRCL: A comparison of their Interest Coverage Ratio (TTM) against their respective Capital Markets and Software industry benchmarks.

Financial Strength at a Glance

SymbolBENCRCL
Current Ratio (MRQ)1.211.03
Quick Ratio (MRQ)1.211.03
Debt-to-Equity Ratio (MRQ)1.000.09
Interest Coverage Ratio (TTM)32.05--

Growth

Revenue Growth

BEN vs. CRCL: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

BEN vs. CRCL: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

BEN

5.69%

Capital Markets Industry

Max
9.02%
Q3
4.54%
Median
2.55%
Q1
1.27%
Min
0.00%

With a Dividend Yield of 5.69%, BEN offers a more attractive income stream than most of its peers in the Capital Markets industry, signaling a strong commitment to shareholder returns.

CRCL

0.00%

Software Industry

Max
0.22%
Q3
0.11%
Median
0.00%
Q1
0.00%
Min
0.00%

CRCL currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

BEN vs. CRCL: A comparison of their Dividend Yield (TTM) against their respective Capital Markets and Software industry benchmarks.

Dividend Payout Ratio (TTM)

BEN

125.85%

Capital Markets Industry

Max
199.38%
Q3
99.28%
Median
60.67%
Q1
32.00%
Min
0.00%

BEN’s Dividend Payout Ratio of 125.85% is in the upper quartile for the Capital Markets industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.

CRCL

0.00%

Software Industry

Max
3.29%
Q3
2.41%
Median
0.00%
Q1
0.00%
Min
0.00%

CRCL has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

BEN vs. CRCL: A comparison of their Dividend Payout Ratio (TTM) against their respective Capital Markets and Software industry benchmarks.

Dividend at a Glance

SymbolBENCRCL
Dividend Yield (TTM)5.69%0.00%
Dividend Payout Ratio (TTM)125.85%0.00%

Valuation

Price-to-Earnings Ratio (TTM)

BEN

37.02

Capital Markets Industry

Max
51.69
Q3
29.42
Median
17.58
Q1
12.55
Min
5.59

A P/E Ratio of 37.02 places BEN in the upper quartile for the Capital Markets industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

CRCL

--

Software Industry

Max
145.74
Q3
94.88
Median
45.35
Q1
26.66
Min
8.80

P/E Ratio data for CRCL is currently unavailable.

BEN vs. CRCL: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Capital Markets and Software industry benchmarks.

Price-to-Sales Ratio (TTM)

BEN

1.38

Capital Markets Industry

Max
14.65
Q3
7.29
Median
4.53
Q1
2.26
Min
0.04

In the lower quartile for the Capital Markets industry, BEN’s P/S Ratio of 1.38 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

CRCL

10.25

Software Industry

Max
25.67
Q3
13.68
Median
8.28
Q1
4.95
Min
0.90

CRCL’s P/S Ratio of 10.25 aligns with the market consensus for the Software industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

BEN vs. CRCL: A comparison of their Price-to-Sales Ratio (TTM) against their respective Capital Markets and Software industry benchmarks.

Price-to-Book Ratio (MRQ)

BEN

1.03

Capital Markets Industry

Max
10.83
Q3
5.12
Median
2.66
Q1
1.19
Min
0.37

BEN’s P/B Ratio of 1.03 is in the lower quartile for the Capital Markets industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

CRCL

17.02

Software Industry

Max
30.67
Q3
14.92
Median
8.52
Q1
3.89
Min
0.38

CRCL’s P/B Ratio of 17.02 is in the upper tier for the Software industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

BEN vs. CRCL: A comparison of their Price-to-Book Ratio (MRQ) against their respective Capital Markets and Software industry benchmarks.

Valuation at a Glance

SymbolBENCRCL
Price-to-Earnings Ratio (TTM)37.02--
Price-to-Sales Ratio (TTM)1.3810.25
Price-to-Book Ratio (MRQ)1.0317.02
Price-to-Free Cash Flow Ratio (TTM)6.8060.88